528 Flock Ave, Naperville, IL 60565 Property Records

DuPage County property record for 528 Flock Ave, Naperville, IL 60565

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 3,494 sqft · built 1986
Lot Size	0.24 acres (10,454 sqft)
Owner	2 Company Names on Record
Last Sale	$464,000 (Jul 2019)
Tax Bill	$13,094 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Dec 2023 Transfer + 4 more
Flood Zone	Zone X (minimal risk)
APN	`08-31-103-009`

Property Details

APN / Parcel Number

Primary APN	`08-31-103-009`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,494 sqft Living Area
Gross Area	4,087 sqft
1st Floor Area	1,539 sqft
2nd Floor Area	1,339 sqft
Basement Area	1,209 sqft
Finished Basement	616 sqft
Unfinished Basement	593 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Exterior Material	Wood Siding
Lot Area	10,454 sqft (0.24 acres)
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Electric

Location & Zoning

Street Address	528 FLOCK AVE
City	NAPERVILLE
State	IL
Zip	60565-1298
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	WINDING CREEK ESTATES UNIT 3 ALL
Legal Subdivision	WINDING CREEK ESTATES
Legal Lot Number	291
Legal Unit	3
Jurisdiction	DU PAGE IL
Township / Civil Division	LISLE
Census Block Group	4
Census Block	4001
Census Tract	846207

Owner

Source: DuPage County records, as of August 17, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	528 FLOCK AVE, NAPERVILLE, IL 60565-1298
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Jun 12, 2026	Deed of Trust, Mortgage · Line of Credit CONSUMERS CREDIT UNION
Dec 27, 2023	Intrafamily Transfer, Transfer
Jan 24, 2022	Deed of Trust, Mortgage · Line of Credit GREAT LAKES CU
Dec 31, 2020	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC
Mar 28, 2020	Deed of Trust, Mortgage · Conventional with PMI GUARANTEED RATE
Jul 24, 2019	Warranty Deed, Transfer · Conventional with PMI GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 24, 2019 · Amount on Record
Deed Sale	Jul 24, 2019 · Amount on Record
Prior Sale	May 15, 2000 · Amount on Record
Deed Document Number	201961835
Last Transfer Date	Dec 21, 2023
Transfer Doc	0000081566
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DU PAGE IL
Recording Date	Jun 12, 2026
Property Address	528 FLOCK AVE, NAPERVILLE, IL 60565-1298
Document Number	0000039472
Instrument Date	Jun 6, 2026
Instrument	202639472
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust, 165

Mortgage

Document Number	0000039472,
Date	Jun 12, 2026
Instrument	202639472

Lender

Name	CONSUMERS CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jun 20, 2046

Interest

Rate	6.37%
Max Rate	-1%

December 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	DU PAGE IL
Recording Date	Dec 27, 2023
Property Address	528 FLOCK AVE, NAPERVILLE, IL 60565-1298
Document Number	0000081566
Map Reference	DOC R85-70110
Instrument Date	Dec 21, 2023
Instrument	R2023-081566
Transaction Type	Transfer
Record Updated	Jan 11, 2024

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	528 FLOCK AVE, NAPERVILLE, IL 60565-1298

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DU PAGE IL
Property Address	528 FLOCK AVE, NAPERVILLE, IL 60565-1298
Transaction Type	Mortgage
Record Updated	Feb 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000008154
Date	Jan 24, 2022
Instrument	R2022-008154

Lender

Name	GREAT LAKES CU
Type	Credit Union
Address	NORTH CHICAGO, IL 60064

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jan 23, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DU PAGE IL
Property Address	528 FLOCK AVE, NAPERVILLE, IL 60565-1298
Transaction Type	Mortgage
Record Updated	Dec 14, 2021
Title Company	RAVENSWOOD TITLE COMPANY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000162345
Date	Dec 31, 2020
Instrument	R2020-162345

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.99%

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DU PAGE IL
Property Address	528 FLOCK AVE, NAPERVILLE, IL 60565-1298
Document Number	0000932747
Instrument Date	Mar 28, 2020
Transaction Type	Mortgage
Record Updated	May 14, 2020
Title Company	RAVENSWOOD TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	528 FLOCK AVE NAPERVILLE IL 605651298, NAPERVILLE, IL 60565-1298

Mortgage

Document Number	0000932747
Date	Apr 3, 2020
Instrument	932747

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Apr 2, 2050

Interest

Rate Type	Fixed Rate
Rate	3.5%

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DU PAGE IL
Recording Date	Jul 24, 2019
Property Address	528 FLOCK AVE, NAPERVILLE, IL 60565-1298
Document Number	0000061835
Instrument Date	Jun 12, 2019
Instrument	61835
Transaction Type	Transfer
Record Updated	Aug 14, 2019
Title Company	BURNETT TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$696.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2140 TEMPLAR DR NAPERVILLE IL 605652234, NAPERVILLE, IL 60565-2234

Mortgage

Document Number	61836
Date	Jul 24, 2019
Instrument	61836

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 23, 2049

Interest

Rate Type	Fixed Rate
Rate	3.87%

Tax Assessment & Valuation

Source: DuPage County assessment roll, as of August 17, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	DuPage County
County Subdivision	Lisle Township
Municipality	Naperville City
Unified School District	Naperville Community Unit District 203 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$13,094.00 (+3.71%)	$232,363 (+8.53%) Land $85,287 Building $147,076	$697,089 (+8.53%) Land $255,861 Building $441,228
2024	$12,625.00 (+13.08%)	$214,100 (+19.92%) Land $78,584 Building $135,516	$642,300 (+19.92%) Land $235,752 Building $406,548
2022	$11,165.00 Homeowner's exemption	$178,530 Land $65,530 Building $113,000	$535,590 Land $196,590 Building $339,000

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective September 1, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (2017)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Oct 2017 · rainfall accumulation

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.8% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	NAPERVILLE serves 156,406 people · EPA ID IL0434670
Water Source	Purchased surface water from DU PAGE WATER COMMISSION
Last State Inspection	Sep 2025
Lead	6 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	15 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 177 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Astound Broadband Cable	1,500 / 50
Verizon Fixed Wireless	300 / 20
AT&T DSL	100 / 20

May also be available: T-Mobile.

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